221 E Main St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 221 E Main St, Lincolnton, NC 28092

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,000 sqft · built 1925
Lot Size	0.066 acres (2,875 sqft)
Owner	Company Name on Record
Last Sale	$201,500 (Nov 2021)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3623-84-6465`

Property Details

APN / Parcel Number

Primary APN	`3623-84-6465`
Alternative APNs	`362316846465` `287572` `00881`

Interior

Stories	2 Stories
Building Area	5,000 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	2,875 sqft (0.066 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	287572
Street Address	221 E MAIN ST
City	LINCOLNTON
State	NC
Zip	28092-3332
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C-B
Legal Description	221 E MAIN
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	5
Census Block	5046
Census Tract	70100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lincolnton Commercial Historic District listed 2005 · 64 contributing resources · NRIS 05001419

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lincoln County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	319 S POPLAR ST, LINCOLNTON, NC 28092-3323
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Warranty Deed, Transfer · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCO
Oct 31, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Oct 31, 2019 · Amount on Record
Deed Document Number	2021643066
Deed Book / Page	3109 / 775
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 22, 2021
Property Address	221 E MAIN ST, LINCOLNTON, NC 28092-3332
Document Number	3109776
Book / Page	3109 / 776
Instrument Date	Nov 22, 2021
Instrument	643066
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$403.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 E MAIN ST, 111, LINCOLNTON, NC 28092-2724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 S POPLAR ST, LINCOLNTON, NC 28092-3323

Mortgage

Document Number	643067
Date	Nov 22, 2021
Instrument	643067

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 22, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 31, 2019
Property Address	221 E MAIN ST, LINCOLNTON, NC 28092-3332
Document Number	2858355
Book / Page	002858 / 000355
Instrument Date	Oct 31, 2019
Instrument	599978
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2414 E MAIN ST LINCOLNTON NC 280924106, LINCOLNTON, NC 28092-4106

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 26, 2018
Property Address	221 E MAIN ST, LINCOLNTON, NC 28092-3332
Document Number	2752221
Book / Page	002752 / 000221
Instrument Date	Jun 26, 2018
Instrument	579767
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	514 N ACADEMY ST LINCOLNTON NC 280922825, LINCOLNTON, NC 28092-2825

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Municipality	Lincolnton City
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,212.00 (+0.91%)	$207,453 (-) Land $35,937 Building $171,516	$207,453 (-) Land $35,937 Building $171,516
2023	$2,192.00	$207,453 Land $35,937 Building $171,516	$207,453 Land $35,937 Building $171,516

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LINCOLNTON serves 16,309 people · EPA ID NC0155010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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